Lender · SBA 7(a) record
Fulton Bank, National Association
PA · lends in 10 states · 1,730 SBA loans since 2010, 397 in the last five years.
How fast they approve. Fulton Bank, National Association made 79% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Lends conservatively
0.80% charged off against 2.11% across all SBA lending. Clean books usually mean tight credit standards. Good rates if you fit their box, and a quick decline if you don't.
What rate people got
median markup over primeThe median borrower here paid prime + 2.34%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2010 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | 0.9 | 0.9 | 3.7 | 9.0 | 9.0 |
| 2011 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.8 | 2.4 | 2.6 | 2.6 |
| 2012 | 0.0 | 0.0 | 0.0 | 0.2 | 0.2 | 0.6 | 2.0 | 2.0 | 2.0 | 2.5 |
| 2013 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.7 | 0.7 | 0.7 | 0.9 | 1.1 |
| 2014 | 0.0 | 0.0 | 0.1 | 0.6 | 0.6 | 0.6 | 0.8 | 1.1 | 2.6 | 2.6 |
| 2015 | 0.0 | 0.5 | 1.4 | 1.4 | 1.5 | 1.5 | 1.5 | 2.0 | 2.0 | 2.2 |
| 2016 | 0.0 | 0.0 | 0.4 | 0.6 | 0.8 | 0.9 | 2.3 | 3.8 | 3.8 | · |
| 2017 | 0.0 | 0.0 | 3.0 | 3.0 | 3.8 | 6.4 | 7.0 | 7.1 | · | · |
| 2018 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.5 | · | · | · |
| 2019 | 0.0 | 0.0 | 0.2 | 0.2 | 0.2 | 0.3 | · | · | · | · |
| 2020 | 0.0 | 0.0 | 0.1 | 0.1 | 0.2 | · | · | · | · | · |
| 2021 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · |
| 2022 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · | · |
| 2023 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
| 2024 | 0.0 | · | · | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
| 2026 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
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Common questions
Does Fulton Bank, National Association make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 114 startups, 81 commercial real-estate loans, 65 business acquisitions, 41 franchise loans. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan Fulton Bank, National Association will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $44,000, and the typical (median) Fulton Bank, National Association loan is $490,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do Fulton Bank, National Association SBA borrowers get?
On variable-rate loans, recent Fulton Bank, National Association borrowers paid a median of prime + 2.34%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does Fulton Bank, National Association lend in?
Most of Fulton Bank, National Association's recent SBA lending is concentrated in New Jersey, Pennsylvania, Maryland, among 10 states in total. Compare lenders by state.